Trupanion vs. Pumpkin Pet Insurance

Trupanion delivers better pet insurance coverage than Pumpkin for both dogs and cats, ranking second nationally while Pumpkin ranks 11th. Trupanion offers unlimited annual coverage with no caps, while Pumpkin provides annual limits up to $20,000, and both companies feature similar deductible options and 90% reimbursement rates with comparable accident waiting periods.

Trupanion is the best pet insurance company in 29 states for dogs, while Pumpkin leads in 16 states for cats. For dog coverage, Pumpkin ranks first in only Alaska, Delaware, Maryland, Montana, North Dakota and South Dakota.

Pumpkin offers more affordable pet insurance rates than Trupanion across nearly all age groups for both cats and dogs. For middle-aged dogs, Pumpkin costs $48 per month compared with Trupanion's $88 per month. Middle-aged cats cost $30 with Pumpkin versus $48 with Trupanion.

See how much pet insurance costs across different age categories:

Pumpkin offers the cheapest pet insurance across most categories, beating Trupanion in 7 out of 8 age groups nationwide. Pumpkin leads pricing for middle-aged dogs and cats, while Trupanion only offers lower rates for kittens.

Trupanion and Pumpkin both provide ways to reduce premiums through pet insurance discounts, though the types and number of discounts differ. Here’s a side-by-side comparison of standard discount types.

Pumpkin delivers better customer experience than Trupanion, ranking third nationally for both dogs and cats compared to Trupanion's eighth-place position. Both companies maintain A+ BBB ratings, but Pumpkin's 4.8 out of 5.0 Trustpilot score significantly outpaces Trupanion's 4.2 rating, showing stronger customer satisfaction across actual user experiences.

Pumpkin offers better pet insurance coverage for dogs and cats than Trupanion, ranking sixth nationally while Trupanion ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Pumpkin has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.

Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.

If you’re seeking additional routine and preventive care coverage beyond standard accident & illness, both providers offer add-on or optional coverage elements.

• Cat & Dog Wellness Plan: Available as a separate wellness option (in select states) to cover vaccines, flea/tick medication, health checks, and teeth cleanings.
• Alternative therapies add-on: Some state plans allow optional coverage for training, hydrotherapy and chiropractic for covered injuries/illnesses (subject to plan rules).

• Wellness-rider package: Includes dental cleaning, vaccines, blood tests, parasite screenings, and heartworm testing.
• Enhanced routine care: Some plans include spay/neuter, microchipping and euthanasia or cremation benefits for end-of-life support.

Choosing between Trupanion and Pumpkin depends on your priorities. Pumpkin delivers better value and customer service, with rates starting at $48 per month for middle-aged dogs and $30 for cats. The company earns a 4.8 out of 5.0 Trustpilot rating and A+ BBB rating. However, Trupanion offers superior coverage with comprehensive accident and illness protection plus unlimited payouts for serious conditions.

Compare Trupanion and Pumpkin pet insurance through these common questions:

Evaluating Trupanion vs Pumpkin required gathering quotes under identical conditions to ensure fair comparison. We analyzed both providers using the same pet profiles and policy specifications:

• $5,000 annual limit
• 80% reimbursement rate
• $500 deductible
• 6-year-old Labrador Retriever for dog coverage
• 7-year-old Ragdoll for cat coverage

Our analysis used three weighted factors that reflect what matters most to pet owners:

Affordability (50% of score): We collected quotes across multiple pet ages and coverage options to determine actual monthly costs, including available discounts that affect real premiums.

Customer Experience (30% of score): We evaluated Trustpilot ratings and analyzed customer feedback to measure satisfaction with claims processing and customer support.

Coverage (20% of score): We compared policy features, waiting periods and available add-ons to assess which provider offers more comprehensive pet health protection.